But I bought a box of crayons for $2.14. I paid with a $5 bill, so I received $2.86 back. $2 into my $20 Challenge fund!

I came up with a great way to add more money into my challenge money. Everytime I plan a no-spend day but break it by buying something unnecessary (i.e. box of crayons) I have to put an additional .50C into the box. If I break it by buying something necessary (i.e. box of kitty litter because I forgot to buy some the day before) I have to put in .10C.

I think on Monday of each week I'll plan out my spend days and my no-spend days. I'll also list on each Monday everything I know I'll need to buy so I have a good idea of what I'll be spending.

I'm not going to "penalize" today's purchase because I thought of the penalty after I bought the item.

Old Balance: $3.00
+ $2.00
New Balance: $5.00